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Plumbers Insurance and Liability Risks

April 08, 2012 | Comments: 0 | Views: 142

If you are a plumber then it is essential that you have at the very least, plumbers public liability insurance in place.

This insurance offers protection for you and your plumbing business against any damage or loss that you might cause to other people during the course of your work. This includes any damage or consequential loss that may occur to your clients due to your negligence either whilst on their premises or as a result of your work.

Without public liability insurance in force a plumber is wide open to being sued for damages by members of the public for all sorts of risks that plumbers expose the public and themselves to.

Plumbing by its very nature can be hazardous with the use of two major perils, fire and water which can cause damage to clients property.

Water escapes due to faulty work can be serious and costly to repair. Similarly the use of heat with blow-torches for soldering copper pipes in confined roof spaces, has been known to cause major fires.

All plumbers insurance policies and packages in the UK will include public liability insurance as standard cover at the minimum level of 1,000,000, which can be increased to 10,000,000 for plumbers working on large projects and Government works, where the risks of doing greater damage are higher.

If your plumbing business employs any workers, even on a part-time, temporary or sub-contractor basis, it is a legal requirement that you have Employers Liability insurance cover in place. This protects your business against being sued for damages by an employee, if any of your plumbing workforce is injured or suffers a loss whilst engaged on plumbing duties for your firm.

Most standard plumbers insurance liability packages will include the option to add your plumbers tools and equipment to the policy. These can be covered on a new for old indemnity basis where you can choose the level of cover you require.

A further type of liability cover for plumbers is products liability, which protects against claims from the public and clients for any faulty products you supply that cause loss or damage.

Other options that can be added to a plumbers policy are goods in transit cover which protects against damage to parts and materials whilst in transit to and from a site, and personal accident cover that pays out an amount if you or your staff are injured at work.

Finally all plumbers will need business van insurance. This is usually available on a separate motor insurance policy which does not include tools or goods cover.

The Internet provides a valuable resource for researching plumbers insurance quotes and covers online. Shop around and compare premiums and the time spent can be well worth the savings that can be made for a small plumbing business.

Compare Plumbers Insurance quotes online at one of the UK's largest tradesman insurance comparison sites.

Source: EzineArticles
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